Transaction security apparatus and method

Patent metadata

Field	Value
Publication number	US-10157385-B2
Application number	US-201815873033-A
Country	US
Kind code	B2
Filing date	Jan 17, 2018
Priority date	Jul 22, 2005
Publication date	Dec 18, 2018
Grant date	Dec 18, 2018

Abstract

A transaction security apparatus, including a card reader; an input device or receiver which inputs or receives transaction information regarding a transaction on or involving an account; a camera or video recording device which obtains or records a photograph or video clip of an individual involved in the transaction; a microphone or audio recording device which obtains or records an audio clip of the individual; a display; a processing device which processes information regarding the transaction and generates a notification message containing information regarding the transaction; and a transmitter which transmits the notification message to a communication device associated with an account holder. The notification message and the photograph, video clip, or audio clip, is transmitted to the communication device independently of any processing of the transaction by the transaction authorization processing computer.

First claim

What is claimed is:

1. A transaction security apparatus, comprising:
a card reader, wherein the card reader obtains information regarding an account;
an input device or a receiver, wherein the input device inputs, or the receiver receives, transaction information regarding a transaction on or involving the account;
a camera or a video recording device, wherein the camera or the video recording device obtains or records a photograph or a video clip of an individual involved in the transaction;
a microphone or an audio recording device, wherein the microphone or the audio recording device obtains or records an audio clip of the individual involved in the transaction;
a display;
a processing device, wherein the processing device processes the information regarding the transaction and generates a notification message, wherein the notification message contains information regarding the transaction; and
a transmitter, wherein the transmitter transmits the notification message to a communication device associated with an account holder, and further wherein the notification message is transmitted to the communication device independently of any processing of the transaction by a transaction authorization processing computer,
wherein the photograph, the video clip, or the audio clip, is transmitted to the communication device independently of any processing of the transaction by the transaction authorization processing computer.

2. The apparatus of claim 1 , wherein the notification message also contains an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a benefit request form, a claim form, a draft, a bank draft, a deposit form, a withdrawal form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in the transaction on or involving the account.

3. The apparatus of claim 1 , wherein the transaction information regarding the transaction includes an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a benefit request form, a claim form, a draft, a bank draft, a deposit form, a withdrawal form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in the transaction on or involving the account.

4. The apparatus of claim 1 , wherein the account is a credit account or a credit card account, and further wherein the notification message also includes an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a benefit request form, a claim form, a draft, a bank draft, a deposit form, a withdrawal form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in the transaction.

5. The apparatus of claim 1 , wherein the account is a debit account or a debit card account, and further wherein the notification message also includes an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a benefit request form, a claim form, a draft, a bank draft, a deposit form, a withdrawal form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in the transaction.

6. The apparatus of claim 1 , wherein the account is a charge account or a charge card account, and further wherein the notification message also includes an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a benefit request form, a claim form, a draft, a bank draft, a deposit form, a withdrawal form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in the transaction.

7. The apparatus of claim 1 , wherein the account is a healthcare account, an account associated with a healthcare insurance policy, plan, or program, a Medicare account, a Medicaid account, a pharmacy account, a life insurance account, or a disability insurance account, and further wherein the notification message also includes an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a benefit request form, a claim form, a draft, a bank draft, a deposit form, a withdrawal form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in the transaction on or involving the account.

8. The apparatus of claim 1 , wherein the account is a bank account, a checking account, a savings account, or a brokerage account, and further wherein the notification message also includes an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a benefit request form, a claim form, a draft, a bank draft, a deposit form, a withdrawal form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in the transaction on or involving the account.

9. The apparatus of claim 1 , wherein the account is a smart card account, a currency card account, an electronic money account, or an electronic cash account, and further wherein the notification message also includes an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a benefit request form, a claim form, a draft, a bank draft, a deposit form, a withdrawal form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in the transaction on or involving the account.

10. The apparatus of claim 1 , wherein the account is a telephone calling card account, a communication account, a telephone account, a wireless communication device account, a non-wireless communication device account, or a cellular communication device account, and further wherein the notification message also includes an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a benefit request form, a claim form, a draft, a bank draft, a deposit form, a withdrawal form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in the transaction on or involving the account.

11. The apparatus of claim 1 , wherein the photograph or the video clip is transmitted along with the notification message.

12. A transaction security apparatus, comprising:
a card reader, wherein the card reader obtains information regarding an account;
an input device or a receiver, wherein the input device inputs, or the receiver receives, transaction information regarding a transaction on or involving the account;
a camera or a video recording device, wherein the camera or the video recording device obtains or records a photograph or a video clip of an individual involved in the transaction on or involving the account;
a microphone or an audio recording device, wherein the microphone or the audio recording device obtains or records an audio clip of the individual involved in the transaction;
a display;
a processing device, wherein the processing device processes information regarding the transaction, and further wherein the processing device generates a notification message, wherein the notification message contains information regarding the transaction; and
a transmitter, wherein the transmitter transmits the notification message to a communication device associated with an account holder, wherein the notification message is transmitted to the communication device independently of any processing of the transaction by a transaction

Assignees

• Joao Raymond Anthony
• Gtj Ventures Llc

Inventors

• Joao Raymond Anthony

Classifications

• G06Q20/10

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G06Q20/389

  Keeping log of transactions for guaranteeing non-repudiation of a transaction · CPC title

• G07F19/20

  Automatic teller machines [ATMs] · CPC title

• G06Q40/08

  Insurance · CPC title

• G06Q20/3276

  using a pictured code, e.g. barcode or QR-code, being read by the M-device · CPC title